Prof Plum, plus an additional point. 20k+ pay rise from the day you leave (including the pension you won’t get if you stay in) and a salary that won’t top out at Pay Point 30 on PA. Which barely matches the salary you start on as an FO from day one of leaving. The ability to deleverage earlier on in your career, through downpayment of the mortgage and overall quality of life increase from better salary also needs to be accounted for. No point enjoying a decent income at 90 with pea soup dribbling down my toothless grin.